Surfer - I think you need a formalized agreement of some sort. The risks you mention are very real and the future appears to be quite uncertain.

A big dose of reality might do her good too especially if your first offer just covers the minimum and has a sunset clause.

It doesn't have to be a full-blown S agreement - perhaps your L can offer some advice.

On BD
H52, W50
T27, M26
S21, D23
BD-9-Mar-16
D-15-Jan-18 Final-19-Apr-18
I am a storyteller. The story may do you no good.
But a story is never for the listener. It is always for the one who tells